MoneyWorks4me - a Portfolio Advisory that ensures your money works for you.

Build your portfolio smartly to create wealth

Investing in stocks of fundamentally sound companies, when they are available at a discount from their fair price (MRP), assures you of very good returns. Sell them only when market has priced them so high that future returns are likely to be low.

Investing in the ‘right’ Mutual Funds (MFs) enables you to earn high returns and diversify with ease. However, selecting the right MF is a challenge, because today’s best performers are unlikely to be tomorrow's winners. They come at a high cost, and hence, make sense only when they beat Index Funds.

Index Fund is a Mutual Fund whose portfolio mimics a particular index (e.g. SENSEX 30, Nifty 50). They are much cheaper than MFs. Index Funds will become more attractive, as MFs will find it difficult to beat the Index and justify their high costs.

Debt Funds: How much depends on your risk profile and the market levels

Gold ETF: As an insurance against risks not reduced by diversification

Do Smart Asset Allocation

Split your Investable Surplus between Growth and Security assets based on your risk-profile and market levels.
When market moves well above the fair value, reduce exposure to Growth; and when market is at an attractive discount,
increase investment in Growth.

Mutual Fund Investment: Get 3 things right

Find right Mutual Funds, based on Underlying Assets Quality and performance consistency

See if the Mutual Fund is likely to generate more returns than its Benchmark and FD in future

Invest in Mutual Fund that help diversify your existing portfolio and enhance returns

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Select 3 to 4 (max) Mutual Funds aligned to your Risk-profile and portfolio. Use our Portfolio Manager to check the impact of adding a Mutual Fund to your portfolio.

The discipline of SIP is important. But, investing in a specific Fund, immaterial of its price can be inefficient. Select a Mutual Fund that gives the best risk-adjusted returns, every time you invest.

Portfolio Management: Manage risks and returns

Putting all or most of your investable surplus in the equity basket exposes you to high risk and putting too much in safe, fixed-income asset reduces your returns drastically.

Companies in the same sector are likely to be impacted by the same economic factors. Large exposure to a single sector, or correlated sectors, could result in a drastic fall in your portfolio market value.

A stock is exposed to several company-specific risks, (business, balance sheet, valuation or people risk.) A 20% drop in a stock comprising 20% of your portfolio reduces your absolute returns by 4%.

While some smaller cap companies have potential of high returns, most come with high risks. Many have weak business models and are badly hit by economic or business downturns, and can erode your wealth!

Companies with poor fundamentals and weak business models can not deliver consistent and sustainable profitable growth.

If over-priced stocks form a large portion of your portfolio, a price-correction will reduce your portfolio value substantially.

Low-trading Assets have very few buyers. So, one cannot sell it, when needed without compromising on prices.

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InvestmentShastra Our Investment Blog

Investing in equities is the best way to create wealth. However, it comes with risks. The biggest risk is ignorance! It is wise to first invest your time, and then invest your money. Learning 'How to Invest' will earn you rich dividends over your entire investing life, which may be a few decades.

InvestmentShastra is the space to learn 'How to Invest'. Here you will get valuable blogs and videos on investing, presented as answers to questions investors like you have. So, if you want to learn in a systematic manner or get answers to your questions visit InvestmentShastra.

What Customers Say

Proof of Performance - Rolling Returns

Our Mission

Make investing Safer, Smarter and Simple for Retail Investors

Raymond MosesIIT KanpurFounder

Sreeram ThiagarajanREC Trichy, IIM AhmedabadCo-founder

We never planned getting into this. Since 2000, we run a Business Consulting and Training company out of Pune. Thanks to a very bad experience of investing in MF and ULIPs using the Mutual Fund Investment Advisory services of an MNC bank in 2008, we decided on our mission to make wealth-creation thru' investing safe and simple for Retail Investors like us

It turned out to be more difficult than we imagined! Simple was not simple enough, and making equity-investing safe was like grappling with the ultimate paradox. Also, the markets went from deep despair to irrational euphoria...

We used this opportunity, for our advantage, to test our models. We have continuously evolved our models and products to suit individual Customers’ profiles & needs. Now, with our unique-fundamental research and Smart Investment Solutions like Portfolio Manager (Free), Omega (Paid) and Superstars (Paid), we can truly say that we have made investing—Safer, Smarter, and Simpler!

About MoneyWorks4me.com

MoneyWorks4me.com is India's 1st Technology-assisted Multi-asset Fiduciary Portfolio Advisory. We started in 2008 with the mission to make 'wealth-creation thru' investing' safe and simple for Retail Investors—make it easy for customers to manage a large portion of their Investable Surplus through our solutions as one portfolio, just like family offices/UHNIs. We are SEBI registered—No. INH000000719... know more